BEAVER COUNTY CHAMBER OF COMMERCE

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1972

Legal Domicile

Principal Officer

LANCE GRABLE

Phone

7247753944

Tax Period

2024-01-01 to 2024-12-31

BEAVER COUNTY CHAMBER OF COMMERCE, founded in 1972, is a small nonprofit that reported $350K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year.

Mission

TO PREPARE,DEVELOP, AND PROMOTE THE COMMUNITY FOR ECONOMIC DEVELOPMENT AND GROWTH BY OFFERING EDUCTIONAL PROGRAMMING NETWORKING OPPORTUNITIES AND BUSINESS SERVICES FOR ITS MEMBER ENTITIES.

Program Service Accomplishments

Program 1

THE BEAVER COUNTY CHAMBER OF COMMERCE PROMOTES ECONOMIC DEVELOPMENT AND GROWTH THROUGHOUT BEAVER COUNTY BY HOLDING EDUCATIONAL PROGRAMS, SEMINARS, NETWORKING EVENTS, AND PROVIDING ASSISTANCE TO...

THE BEAVER COUNTY CHAMBER OF COMMERCE PROMOTES ECONOMIC DEVELOPMENT AND GROWTH THROUGHOUT BEAVER COUNTY BY HOLDING EDUCATIONAL PROGRAMS, SEMINARS, NETWORKING EVENTS, AND PROVIDING ASSISTANCE TO MEMBER BUSINESSES WITH SERVICE IN THEIR COMMUNITIES. PROMOTION OCCURS VIA MEMBERSHIP EMAIL, WEBSITE COMMUNICATIONS, AND IN-PERSON EVENTS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $51,785

Program Service Revenue $284,336

Investment Income $6,707

Other Revenue $6,709

TOTAL REVENUE $349,537

Expense Breakdown

Grants Paid $0

Salaries & Benefits $140,433

Fundraising Expenses $0

Other Expenses $217,189

TOTAL EXPENSES $357,622

Year-over-Year Comparison

	2024	2023	Change
Revenue	$349,537	$372,740	-0.1%
Expenses	$357,622	$340,198	+0.1%
Net Income	$-8,085	$32,542	-1.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$68,906

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LANCE GRABLE	PRESIDENT EFF 0624	40.00	Officer	$58,333	$10,573	$68,906
KATHRYN KLABER	CHAIR	2.00	Officer Director	$0	$0	$0
BRITTNEY GOLDEN	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
PAUL HOBACK JR	VICE CHAIR	2.00	Officer Director	$0	$0	$0
MATTHEW DAWSON	TREASURER	2.00	Officer Director	$0	$0	$0
TRACY PLEVEL	SECRETARY	2.00	Officer Director	$0	$0	$0
LISA LATHOM	DIRECTOR	2.00	Director	$0	$0	$0
NATHAN LEVIN	DIRECTOR	1.00	Director	$0	$0	$0
MANDY ALBANESE	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT RIGGINS	DIRECTOR	1.00	Director	$0	$0	$0
DR ROGER DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
DENNIS ZEH	DIRECTOR	1.00	Director	$0	$0	$0
CHARLIE SYLAK JR	DIRECTOR	1.00	Director	$0	$0	$0
DR CHERYL KING	DIRECTOR	1.00	Director	$0	$0	$0
BILL WATSON	DIRECTOR	1.00	Director	$0	$0	$0
KARL CHAPPLE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID HOIS	DIRECTOR	1.00	Director	$0	$0	$0
JILL MILLER	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT MONIT	DIRECTOR	1.00	Director	$0	$0	$0
DR KENYA JOHNS	DIRECTOR	1.00	Director	$0	$0	$0
LINDA HOMYK	DIRECTOR	1.00	Director	$0	$0	$0
JIM GRAF	DIRECTOR	1.00	Director	$0	$0	$0
JOHN KONECHECK	DIRECTOR	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$349,537	$357,622	$363,745	$-8,085
2023	$372,740	$340,198	$319,858	$32,542
2022	$292,307	$340,615	$312,199	$-48,308
2021	$310,783	$278,048	$402,606	$32,735
2020	$314,872	$291,212	$426,954	$23,660
2019	$335,673	$358,234	$292,487	$-22,561
2018	$362,804	$349,021	$353,741	$13,783